Land & Construction Loans
Build from the Ground Up, with Confidence.
Buying land or building a home doesn’t need to feel complicated. We make the process seamless—from securing land finance to navigating progress payments and final loan stages. Whether you're planning a custom build or buying a house-and-land package, we’ll guide you every step of the way.
How We Help
Smart Finance for Your Build
We connect you with lenders who specialise in land and construction loans, giving you flexible options that align with your building plans and budget.
Staged Payments, Made Simple
Construction loans release funds in phases based on build progress. We guide you through each stage so you understand when and how funds are paid.
Smooth Process, No Surprises
From assessing your borrowing capacity to preparing documents for approval, we handle the finance admin so you can focus on your future home.
Planning to Build? Here’s What You Should Know
Building a home is exciting—but the financing process can feel unfamiliar. We break it down clearly so you know what to expect and how to prepare. Here’s what you need to know before you start:
Understand Progress Payments
Funds are released at key stages—slab, frame, lock-up, fit-out, and completion. We’ll help you stay informed every step of the way.
Be Ready Before You Apply
Lenders often require a fixed-price building contract and council-approved plans before approval—don’t worry, we’ll help you prepare.
Buying Land First? No Problem
We can help you secure finance for land now, then revisit your construction loan when you’re ready to build.
FAQ's
❓ How is a construction loan different from a regular home loan?
A construction loan releases funds in stages (called “progress payments”) as the build is completed. You only pay interest on the funds used.
❓ Do I need council-approved plans before applying?
Yes. Most lenders require council-approved building plans and a fixed-price building contract before formally approving your loan.
❓ Can I get pre-approval before I’ve chosen a builder or plans?
Yes — we can help you get pre-approval based on your financial position so you understand your budget before finalising building details.
❓ What happens if the build costs more than expected?
If costs increase, your loan may need to be reassessed. We help you stay prepared by reviewing your buffer and advising on your options if this occurs.
❓ Do I pay my mortgage during construction?
You usually only pay interest on the amount drawn down during the build. Full repayments begin once construction is complete.
❓ Can I use equity in my existing property to build?
Yes, equity from an existing home can often be used as a deposit or to secure the loan—we’ll help you explore this option.
❓ How long does construction finance approval take?
It depends on the lender and your documentation. We aim to streamline the process by ensuring your application is complete and accurate upfront.
❓ What if my builder delays the project?
We’ll help manage communication with your lender so your approvals don’t lapse. We're here to troubleshoot and keep things moving.